Archive for the ‘Debt Solutions’ Category

ABC Debt Relief

Thursday, January 20th, 2011

John Chase said: National Debt Relief ProgramABC Debt Relief

Today more than ever there is need for abc debt relief, and credit card debt relief in particular. The U.S. economy remains stagnant, jobs remain scare, and job security remains even more scarce. To add to these woes, the U.S. unemployment rate remains at nearly 10 percent at the time of this writing.

Therefore, interest and a real need for abc debt relief is at an all-time high. The good news is that the debt relief programs which exist today are far more effective than debt relief programs of the past. The financial debt relief industry in the U.S. has been quick to adapt to changing trends and has been masterful at being visionary and also adaptable.

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The abc debt relief programs which exist today are easier to apply for (in most cases online), the approval process is remarkably swift, and the amount of debt that is eliminate through the debt relief programs today is nothing short of miraculous. In fact, the abc debt relief programs which exist today can, in most cases, reduce and eliminate debt by up to 50 percent or more.

It’s important to note that the debt relief programs of today do not involve bankruptcy. That is another sphere and another realm altogether. When it comes to abc debt relief, it and bankruptcy should rarely be mentioned in the same breath. The reason is that bankruptcy brings with it a great many harsh and negative consequences, such as a bankruptcy filing remaining on a person’s credit record for 10 full years, and remaining on the public record forever.

Payment Options for Credit Repair

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Personal Debt Relief Options For 2010 – Tips To Find Legitimate Debt Relief Programs Online

Monday, November 15th, 2010

 

The current financial year of 2010 is really considered as a bit soothing for all those people, who were facing the trouble of unsecured liabilities. The federal government knows that the economy will only come to a stable point when the citizens are established and that is the reason why they have introduced many debt relief options in the market.

These debt relief options are widely available in both offline and online markets. The online market is considered as the best place to search for debt relief options. However, if a person is searching via the internet, then he/she must have to keep many considerations in mind. These considerations are important because due to this, they are capable of interacting with legitimate and genuine liability relief option. Since debt reduction options are getting very popular these days, the chances for the availability of fake and fraudulent services are also there. If a person comes across fake companies, then the emerging results will be very devastating and instead of getting relief from debts, a person will deeply drown into them more.

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Debt reduction networks are termed as the best place to search for legitimate debt relief programs online. The registration criteria for these networks are tough, that is the reason why only legal and reliable companies get the chance to enroll here. Many legal companies are listed in these relief networks.

Apart from relief networks, the chamber of commerce and better business bureau’s official websites are also considered as reliable sources to search for genuine and legal debt reduction options online.

Besides this, a person can check the fee structure of the company as well. Always keep this in mind, that dubious and illegal companies always ask for the fees in advance, while on the other hand, genuine and authentic companies never ask for the fees in advance. In fact, some of the companies are working on the nonprofit basis i.e. a person can take the benefits of their services free of cost.

Therefore, if a person keeps these points in minds while making a search online, then he will soon find a reliable debt relief option.

If you have over $10,000 in unsecured debt it may be a wise financial decision to consider a debt settlement. Due to the recession and overwhelming amount of people in debt, creditors are having no choice but to agree to debt settlement deals.

Council for Debt Collectors

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Freedom Debt Relief Programs

Wednesday, October 27th, 2010

Ryan Smith said: Freedom Debt Relief is a debt relief company that aims at assisting individuals who have trouble managing their debts. It is the brainchild of two Stanford Business School graduates and has wide customer base spread across United States. They offer services like credit counseling, debt consolidation and an alternative to bankruptcy.They aim to elevate the standards of the credit industry and lay their emphasis on valued customer base.

How does their debt reduction plan work?

Willing customers may call them or e-mail for free consultation and they will determine your chances for debt reduction depending in their assessment of your financial situation. They work on determining the monthly dollar value that you can save after a negotiated settlement. Your creditors are contacted by them once you enroll into their program. They collect your funds and save them until they reach an amount for which they can call creditors to settle the amount for. They may save money for several months before they can save enough to offer the credit card companies any settlement. They let you know through a ‘good news’ notification once the settlement is agreed upon by the creditor. Once the account is paid off, the Credit Bureaus are updated with the information of your account being ‘settled in full”.

What are their debt relief Options?

They provide their customers several debt relief options that can get them out of financial trouble. Their debt relief program includes:

Credit counseling – Through this they attempt to reduce the rate and fees on your debt. You will need some counseling when you are not able to handle your debts on your own and Freedom Debt Relief does just that. Debt consolidation – Through their program they attempt to help those who have no risk of falling behind on their loans and who have disciplined their lives to use credit wisely. Bankruptcy – It may sound like the only option but it leaves a deep scar on your life. Freedom provides alternatives to bankruptcy. Credit card monthly – They help people settle their debts in a span of 2-3 years. Choosing a debt settlement company – They offer debt settlement programs for customers who have had huge credit card bills that they cannot pay anymore.

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The debt consolidation care community also has discussions on Freedom Debt Relief where consumers who are also members of the community have shared in their experiences with the company. It may not be their customer’s favorite, but Freedom Debt Relief has had mixed reactions from its huge customer base. With as big a customer base as theirs they can only expect some criticism along with the praise for their work.

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Government Debt Relief Programs

Friday, October 8th, 2010
National Debt Relief ProgramGovernment Debt Relief Programs

There is much confusion today regarding government debt relief programs. What are these government debt relief programs? How do they work? Do they even exist at all? Fact: government debt relief programs do exist, yet there are still misconceptions that need to be cleared up.Government debt relief programs for U.S. citizens exist for help with foreclosure difficulties, and for help consolidating federal student loans. The “Making Homes Affordable” plan is the much talked about Obama foreclosure prevention plan. The Administration’s Making Home Affordable Program includes opportunities to modify or refinance your mortgage to make your monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for homeowners who are interested in a short sale or deed-in-lieu of foreclosure. Info on this program can be found here:

www.makinghomeaffordable.gov

In regards to help with federal student loans, the Higher Education Act (HEA) provides for a loan consolidation program under both the Federal Family Education Loan (FFEL) Programs and the Direct Loan Program. Under these programs, a borrower’s loans are paid off and a new consolidation loan is created. These programs simplify loan repayment by combining several types of Federal education loans (that may have different terms and repayment schedules or may have been made by different lenders) into one new loan.

The interest rate may be lower than on one or more of the underlying loans. In addition, the monthly payment amount on a consolidation loan is usually lower and the amount of time to repay may be extended beyond what was available in the separate loan programs. These features should result in more manageable debt and should make borrowers less prone to default. Info on this program can be found here:

www.loanconsolidation.ed.gov

Misled are those who believe that government debt relief programs exist for consumer debt such as credit card debt and medical bills. No such programs exist. Yet all is not lost. The good news is that with the debt relief programs of today, both consumers and businesses can take advantage of sweeping new programs and initiatives designed by the financial services industry than can reduce and eliminate up to 50% of unsecured debt (credit cards, medical bills, etc.) in many cases.

Council for Debt Collectors

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National Debt Relief Initiative

Friday, September 10th, 2010
National Debt Relief Initiative

By promising a step-by-step plan for bailing this country’s economy out of recession, President Barack Obama has given some the misconception that there would be monies directed to individuals as a rescue from personal debt. The reality is that there never were any funds earmarked for this purpose and all the large dispersions of funds are going toward social programs such as Medicaid and large infrastructure spending on maintenance of roadways, etc. The end result for the common family is an overall increase in taxes, and a lending environment where lending is virtually non-existent.National Debt Relief Initiative

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In this time of financial uncertainty it is more important than ever to tighten your family budget and get out from under the burdens of unsecured debt. Creditors work with the National Debt Relief Initiative network of debt relief providers to settle for a fraction of what is owed to maintain their own balance sheets. Consumers are finding that there has never been a better time to enroll in a debt relief and debt management program that there is today with National Debt Relief Initiative.

If you’re like most Americans, you just can’t cut back on your spending anymore. That’s where debt management as offered through the National Debt Relief Initiative network of debt relief providers can help. The National Debt Relief Initiative network of debt relief providers can help you significantly reduce unsecured debt such as credit card debt and medical bills, and consolidate debt into a single and affordable monthly program payment, putting you on the fast track towards getting out of debt. You, too can achieve financial freedom with National Debt Relief Initiative.

To learn more and get started, please visit National Debt Relief Initiative at:

www.nationaldebtreliefinitiative.net

 

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